State RegulationsFL specificDifficulty 1/5
Medicare supplement policies are designed to do which of the following?
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Answer & full 3-part explanation (select an option above, or peek)
Why C is correct
Under Fla. Stat. 627.674, Medicare supplement insurance is, by definition, coverage designed to supplement Medicare — filling the cost-sharing gaps (deductibles, coinsurance, copayments) that original Medicare Part A and Part B leave to the beneficiary. It neither replaces Medicare nor provides long-term custodial care, which is the province of long-term care insurance. Keeping the product's purpose straight keeps the sale suitable.
Why the other options are wrong
- A) A Med Supp policy supplements Medicare Parts A and B; it does not replace Medicare.
- B) Unlimited nursing home custodial care is long-term care insurance territory, not Med Supp coverage.
- D) Medicare supplement policies are tied to Medicare coverage, not disability income for non-Medicare workers.
Memory hook
Supplement = gap filler for Parts A and B.